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Page 1
                          ANNOUNCEMENT
        SUMMARY OF MINUTES OF THE ANNUAL GENERAL MEETING OF
                           SHAREHOLDERS
                    PT BANK JTRUST INDONESIA Tbk
In order to comply with the provisions of Article 51 of Financial Services Authority Regulation No.
15/POJK.04/2020 concerning the Planning and Implementation of General Meetings of Shareholders
of Public Companies, the Board of Directors of PT Bank JTrust Indonesia Tbk (the “Company”) hereby
announces the Summary of Minutes of the Annual General Meeting of Shareholders of the Company
(the “Meeting”) as follows:

Date, Time, and Venue of the Meeting

The Meeting was held on 30 June 2026 from 09.19 WIB to 10.16 WIB at Sahid Sudirman Center, 35th
floor, Jalan Jend. Sudirman Number 86, Central Jakarta 10220.

Members of the Board of Commissioners and Board of Directors of the Company who were
physically present at the Meeting.

 Board of Commissioners                            Board of Directors
 President          :   Nobiru Adachi              President Director   :    Ritsuo Fukadai
 Commissioner
 Commissioner       :   Nobuiku Chiba              Deputy President :        Masayoshi Kobayashi
                                                   Director
 Independent          :   Benny Siswanto           Director         :        Felix I. Hartadi
 Commissioner
 Independent          :   Abdullah       Firman Director                :    Helmi A. Hidayat
 Commissioner             Wibowo                Director                :    Cho Won June
                                                Director                :    Widjaja Hendra

Independent Vote Counting Parties

In this regard, the Company has appointed Mr. Jose Dima Satria, S.H., M.Kn., as Public Notary, and
PT Sinartama Gunita as the Securities Administration Bureau to conduct the calculation and
validation of quorum and voting at the Meeting.

Code of Conduct of the Meeting

a. The Master of Ceremonies first read out the Code of Conduct before the Meeting commenced.
b. The Meeting was chaired by Mr. Abdullah Firman Wibowo as the Independent Commissioner
   appointed based on the Resolution of the Board of Commissioners dated 18 May 2026.
c. Shareholders or their Proxies were given the opportunity to raise questions and/or express
   opinions before proceeding with decision-making.
d. Resolutions for the first, second, third, and fifth Agenda Items of the Meeting are valid if
   approved by more than 1/2 (one half) of all shares with voting rights present at the Meeting.
e. Resolutions for the fourth Agenda Item of the Meeting are valid if approved by at least 2/3 (two
   thirds) of all shares with voting rights present at the Meeting.
f. Resolutions at the Meeting were adopted based on deliberation to reach consensus or through
   voting.
g. Each share grants its holder the right to cast 1 (one) vote.
h. Voting for the Meeting resolutions was carried out by submitting completed ballot cards to the
   Meeting Officers. The Notary then reported the vote counting results after voting for the Meeting
   Agenda Items.
i. Invalid votes were deemed non-existent and were not counted in determining the number of
   votes cast at the Meeting.


                                                                                                  1
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Number of Shares with Valid Voting Rights Present at the Meeting

The Shareholders or their Proxies present represented 16,928,544,500 shares or equivalent to
93.476% of all shares with valid voting rights issued by the Company. Accordingly, the Meeting
fullfiled the quorum and was able to adopt valid and binding resolutions.

Resolutions of the Meeting Agenda Items

 First Agenda Item
                                Approval of the Annual Report and Ratification of the Financial
                               Statements of the Company, as well as the Report on the
                               Implementation of the Supervisory Duties of the Board of
                               Commissioners, for the financial year ended 31 December 2025.
 Number of Shareholders or
 their Proxies Submitting
                               No questions or opinions;
 Questions and/or Expressing
 Opinions
                                       Agree                  Abstain                Disagree

 Voting Results                16,925,248,900           3,005,600 shares or    290,000 shares or
                               shares or 99.981% of     0.018% of all shares   0.002% of all shares
                               all shares with voting   with voting rights     with voting rights
                               rights present at the    present    at    the   present   at     the
                               Meeting                  Meeting                Meeting

 Meeting Resolution            Approved the Company’s Annual Report for the financial year 2025,
                               including the Report on the Supervisory Duties of the Company’s
                               Board of Commissioners, and ratified the Company’s Financial
                               Statements for the financial year ended 31 December 2025, which
                               had been audited by the Public Accounting Firm of Paul
                               Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Partners with a
                               fair opinion in all material respects as stated in its report dated 25
                               May 2026.

 Second Agenda Item
                                Determination of salaries or honorarium, together with facilities
                               and allowances for the financial year 2026, for members of the
                               Board of Directors and Board of Commissioners of the Company
 Number of Shareholders or
 their Proxies Submitting      No questions or opinions;
 Questions and/or
 Expressing Opinions
                                       Agree                  Abstain                Disagree

 Voting Results                16,925,248,900           3,005,600 shares or    290,000 shares or
                               shares or 99.981% of     0.018% of all shares   0.002% of all shares
                               all shares with voting   with voting rights     with voting rights
                               rights present at the    present    at    the   present   at     the
                               Meeting                  Meeting                Meeting




                                                                                                    2
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Meeting Resolution          Approved the determination of the total salaries or honorarium,
                            together with facilities and allowances, for members of the Board
                            of Commissioners and Board of Directors of the Company for the
                            Financial Year 2026 with an estimated maximum value of
                            Rp40,000,000,000 (forty billion Rupiah), taking into account the
                            evaluation results and recommendations of the Company’s
                            Nomination and Remuneration Committee


Third Agenda Item
                             Appointment of a Public Accountant and Public Accounting Firm
                            to audit the Bank’s Financial Statements for the Financial Year
                            ending on 31 December 2026
Number of Shareholders or
their Proxies Submitting    No questions or opinions;
Questions and/or
Expressing Opinions
                                   Agree                   Abstain               Disagree

Voting Results              16,925,248,900           3,005,600 shares or    290,000 shares or
                            shares or 99.981% of     0.018% of all shares   0.002% of all shares
                            all shares with voting   with voting rights     with voting rights
                            rights present at the    present    at    the   present   at     the
                            Meeting                  Meeting                Meeting

Meeting Resolution          1. Approved the delegation of authority to the Board of
                               Commissioners of the Company to determine the Public
                               Accountant and Public Accounting Firm to audit the Company’s
                               financial statements for the financial year ending on 31
                               December 2026 based on the recommendation of the Audit
                               Committee, and to appoint a replacement Public Accountant
                               and Public Accounting Firm in the event that the appointed
                               and determined Public Accountant and Public Accounting
                               Firm, for any reason, are unable to complete the audit of the
                               Company’s financial statements for the financial year ending
                               on 31 December 2026.

                            2. Granted full authority to the Board of Commissioners and
                               Board of Directors of the Company to determine the
                               honorarium and other terms and conditions for the
                               appointment of the Public Accountant and Public Accounting
                               Firm.

Fourth Agenda Item
                              Amendment to the Articles of Association of the Company
Number of Shareholders or
their Proxies Submitting    No questions or opinions;
Questions and/or
Expressing Opinions
                                    Agee                   Abstain               Disagree

Voting Results              16,925,248,900         3,005,600 shares or 290,000 shares or
                            shares or 99.981% of 0.018% of all shares 0.002% of all shares
                            all shares with voting with voting rights with voting rights



                                                                                              3
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                            rights present at the present      at   the present       at    the
                            Meeting               Meeting               Meeting




Meeting Resolution          1. Approved the amendment to Article 14 Paragraph 4 of the
                               Articles of Association of the Company, whereby the term of
                               office of members of the Board of Commissioners shall be set
                               at 4 (four) years, so that Article 14 paragraph 4 of the Articles
                               of Association of the Company shall read as follows:
                                 The 4th (fourth) Annual General Meeting of Shareholders
                                 after the appointment of the relevant member of the
                                 Board of Commissioners, without prejudice to the right
                                 of such General Meeting of Shareholders to dismiss such
                                 member of the Board of Commissioners at any time
                                 before the end of his/her term of office, taking into
                                 account paragraph 8 concerning the dismissal of
                                 members of the Board of Commissioners.
                                 Such dismissal shall be effective as of the closing of the
                                 General Meeting of Shareholders that resolves such
                                 dismissal, unless another date is determined by the
                                 General Meeting of Shareholders.
                                 The term of office of members of the Board of
                                 Commissioners appointed before and/or after the Annual
                                 General Meeting of Shareholders as referred to in the
                                 preceding paragraph shall follow the term of office of
                                 the majority of the other members of the Board of
                                 Commissioners.

                            2. Granted power of attorney with the right of substitution,
                               either partially or entirely, to the Board of Directors of the
                               Company to state the results of this resolution as required by
                               the applicable laws and regulations, to make or cause to be
                               made and sign deeds before a Notary and any necessary letters
                               and documents, subsequently to submit notification of the
                               resolution of this Agenda Item and/or changes to the
                               Company’s data in the resolution of this Agenda Item to the
                               authorized authorities, including but not limited to the
                               Minister of Law of the Republic of Indonesia, and to perform
                               all and any necessary actions and, in short, to take any actions
                               deemed necessary and useful for the aforementioned
                               purposes, with nothing excluded

Fifth Agenda Item
                              Composition of Members of the Board of Directors and Board of
                            Commissioners of the Company
Number of Shareholders or
their Proxies Submitting    No questions or opinions;
Questions and/or
Expressing Opinions




                                                                                              4
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                            Agree                   Abstain               Disagree

Voting Results       16,925,248,900           3,005,600 shares or    290,000 shares or
                     shares or 99.981% of     0.018% of all shares   0.002% of all shares
                     all shares with voting   with voting rights     with voting rights
                     rights present at the    present    at    the   present   at     the
                     Meeting                  Meeting                Meeting

Meeting Resolution   1. Approved the reappointment of Mr. Nobiru Adachi as President
                        Commissioner of the Company by waiving the provisions of
                        Article 14 paragraph 4 of the Company’s Articles of
                        Association, such that his effective term of office shall
                        commence as of the closing of this Meeting until the closing of
                        the General Meeting of Shareholders in 2027, which shall be
                        held no later than June 2027.

                     2. Approved the reappointment of Mr. Nobuiku Chiba as
                        Commissioner of the Company for an effective term of office
                        from the closing of this Meeting until the closing of the General
                        Meeting of Shareholders in 2030, which shall be held no later
                        than June 2030.

                     3. Approved the reappointment of Mr. Benny Siswanto as
                        Independent Commissioner of the Company by waiving the
                        provisions of Article 14 paragraph 4 of the Company’s Articles
                        of Association, such that his effective term of office shall
                        commence as of the closing of this Meeting until the closing of
                        the General Meeting of Shareholders in 2027, which shall be
                        held no later than June 2027.

                     4. Approved the adjustment of the term of office of Mr. Abdullah
                        Firman Wibowo as Independent Commissioner, which was
                        previously effective from the closing of the General Meeting
                        of Shareholders in 2025 until the closing of the General
                        Meeting of Shareholders in 2028, to become effective from the
                        closing of the General Meeting of Shareholders in 2025 until
                        the closing of the General Meeting of Shareholders in 2029,
                        which shall be held no later than June 2029.

                     5. Approved the reappointment of Mr. Ritsuo Fukadai as
                        President Director of the Company, Mr. Masayoshi Kobayashi
                        as Deputy President Director of the Company, and Mr. Felix I.
                        Hartadi, Mr. Helmi A. Hidayat, Mr. Cho Won June, and Mr.
                        Widjaja Hendra respectively as Directors of the Company, for
                        an effective term of office from the closing of this Meeting
                        until the closing of the General Meeting of Shareholders in
                        2027, which shall be held no later than June 2027.

                     6. Approved the end of the term of office of R. Djoko Prayitno as
                        Director of the Company as of the closing of this Meeting, with
                        gratitude for the contributions provided during his tenure as
                        Director of the Company. Granted full release and discharge
                        of responsibility to R. Djoko Prayitno for the management
                        actions that have been carried out, to the extent that such
                        actions are reflected in the Company’s Annual Report and
                        Financial Statements to be approved and ratified at the Annual
                        General Meeting of Shareholders of the Company and do not

                                                                                       5
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   constitute criminal acts detrimental to the Company, and
   provided that the following conditions are fulfilled:
   A. Has carried out the management of the Company as a
      member of the Board of Directors in good faith and with
      prudence for the interests of and in accordance with the
      purposes and objectives of the Company.
   B. There has been no violation of the Company’s SOP or the
      applicable laws and regulations.
   C. Any losses of the Company were not due to his fault or
      negligence (if there are any losses of the Company).

7. Approved the appointment of Raja Pardede as Director of the
   Company, subject to passing the fit and proper test of the
   Financial Services Authority, for a term of office from the
   closing of this Meeting until the closing of the General Meeting
   of Shareholders in 2027, which shall be held no later than June
   2027.
   Accordingly, the composition of members of the Board of
   Commissioners and Board of Directors of the Company is as
   follows:


   BOARD OF COMMISSIONERS
   President Commissioner   : Mr. NOBIRU ADACHI;
   Commissioner             : Mr. NOBUIKU CHIBA;
   Independent Commissioner : Mr. BENNY SISWANTO;
   Independent Commissioner : Mr. ABDULLAH FIRMAN WIBOWO;

   BOARD OF DIRECTORS
   President Director         : Mr. RITSUO FUKADAI;
   Vice President Director    :Mr. MASAYOSHI KOBAYASHI;
   Director                    : Mr. FELIX ISTYONO HARTADI
                                TIONO;
   Director                    : Mr. HELMI ARIEF HIDAYAT;
   Director                    : Mr. CHO WON JUNE;
   Director                    : Mr. WIDJAJA HENDRA;
   Director                    : Mr. RAJA PARDEDE*;
   with the terms of office as stated above, without prejudice to
   the right of the General Meeting of Shareholders to dismiss
   them at any time.
   *The appointment of Mr. RAJA PARDEDE as Director of the
   Company shall be effective after passing the fit and proper
   test of the Financial Services Authority and fulfilling the
   applicable laws and regulations.

8. Granted power of attorney with the right of substitution,
   either partially or entirely, to the Board of Directors of the
   Company to state the results of this resolution as required by
   the applicable laws and regulations, to make or cause to be
   made and sign deeds before a Notary and any necessary letters
   and documents, subsequently to submit notification of the
   resolution of this Agenda Item and/or changes to the
   Company’s data in the resolution of this Agenda Item to the
   authorized authorities, including but not limited to the
   Minister of Law of the Republic of Indonesia, and to perform
   all and any necessary actions and, in short, to take any actions



                                                                 6
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      deemed necessary and useful for the aforementioned
      purposes, with nothing excluded.




     Jakarta, 2 July 2026
PT BANK JTRUST INDONESIA TBK
     BOARD OF DIRECTORS




                                                       7

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Names mentioned 20 people and organisations named in the text · linked when the evidence is strong

linked org BANK JTRUST INDONESIA Tbk p.1 ×8
linked person Ritsuo Fukadai · President Director p.1 ×4
linked person R. Djoko Prayitno · Director p.5 ×2
linked person FELIX ISTYONO HARTADI TIONO p.6
linked person HELMI ARIEF HIDAYAT p.6
possible person Wibowo · Commissioner p.1
possible person Widjaja Hendra p.5 ×2
unresolved org Financial Services Authority p.1 ×3
unresolved person Jose Dima Satria p.1
unresolved person Abdullah Firman Wibowo · Independent Commissioner p.1 ×4
unresolved org Palilingan & Partners p.2
unresolved org Minister of Law p.4 ×2
unresolved person Nobiru Adachi p.5 ×2
unresolved person Nobuiku Chiba · Commissioner p.5 ×2
unresolved person Benny Siswanto · Independent Commissioner p.5 ×3
unresolved person Masayoshi Kobayashi p.5 ×2
unresolved person Felix I. Hartadi p.5
unresolved person Helmi A. Hidayat p.5
unresolved person Cho Won p.5 ×2
unresolved person RAJA PARDEDE · Director p.6 ×3

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